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“门槛低,手续方便快捷,拿款时间短”是典当行的招牌,这些优势正好弥补了银行的空缺,从而满足当代商品经济中不同层次的融资需求。而目前,典当行的主要客户慢慢由个人发展为中小企业。北京某大型典当行,其当行中70%的客户都是中小企业。在典当行,企业主可以用手中设备、厂房、产成品、原材料等资产,押取一定的资金,然后投入到生产经营中,将死物变成活钱,利用融资的时间差,获得经济效益。
“Low threshold, convenient and fast procedures, short holding time ” is a sign of pawnshops, these advantages just make up for the bank’s vacancies, so as to meet the financing needs of different levels of contemporary commodity economy. At present, the major clients in the pawn shops gradually develop from individuals to small and medium-sized enterprises. A large pawn shop in Beijing, where 70% of clients are SMEs. In pawnshops, business owners can use their equipment, plants, finished products, raw materials and other assets to withdraw a certain amount of funds, and then put into production and management, the dead become living money, the use of financing time difference, access to economic benefits.